Navigating Wealth With Wisdom: Insights From Jeffrey Fratarcangeli On Financial Strategy And Legacy Building
In a recent interview hosted by Andy Burton, veteran financial advisor Jeffrey Fratarcangeli shared decades of insight into personal finance, investment strategy, and legacy-building.
Author:Elisa MuellerReviewer:Iram MartinsJul 25, 2025841 Shares26.2K Views
In a recent interview hosted by Andy Burton, veteran financial advisor Jeffrey Fratarcangelishared decades of insight into personal finance, investment strategy, and legacy-building. As the founder of Fratarcangeli Wealth Management, Jeffrey brings nearly 30 years of experience to clients across the United States, managing a team of over 30 professionals with more than 250 years of combined expertise.
"We’re at a very critical crossroads of the world and the markets," Fratarcangeli began, "and just a lot of uncertainty, which in my experience going back three decades, creates opportunity—if you have the stomach and the unemotional approach."
Long-Term Thinking In A Short-Term World
Fratarcangeli emphasized three core investment principles that guide his work with clients:
1. Maintain Liquidity: "Understand the liquidity you need to maintain your ability to pay your bills… Having lived through the great recession, those that couldn’t make it through couldn’t recover. Those that made it through not only recovered but became stronger."
2. Diversify: "Chasing the hot area that just worked… typically isn’t the approach that will give you the best outcome long term."
3. Dollar-Cost Averaging: "Without emotion, on a set day every month, you’re putting your discretionary dollar amount into the stock market… That approach has never, ever failed me in any market."
The Tax Trap In Pooled Investments
Fratarcangeli also addressed a common pain point: unexpected tax bills from mutual fund investments. "You’re essentially paying taxes on trades that were made that maybe one, you weren’t directly involved in… and two, you may not have actually made money on." His recommendation? For those with sufficient capital, owning a diversified portfolio of individual stocks outright is often a more tax-efficient solution.
Building Wealth As A Business Owner
For self-employed professionals and small business owners, Fratarcangeli recommends fully utilizing retirement planslike the Solo 401(k). "Every dollar you contribute—30 cents would have been paid to Uncle Sam if it hadn’t gone to this plan… It allows you to put money away before you have to send money to the IRS for taxes, and it is allowed to grow tax-deferred."
He stresses the importance of budgeting as foundational: "Live below your means… identify that discretionary amount… and then you’re essentially putting yourself in a position where you’re putting the monies into areas that have the highest degree of opportunity to grow."
The Formula For Sustained Wealth
Whether advising younger earners or high-net-worth individuals, Fratarcangeli’s message is consistent: build good habits early, protect against downside risk, and plan for longevity. "It’s not a matter of if [an emergency expense happens], it’s a matter of when… Living through the great recession of ‘08, there were so many people that were just brought to zero."
He also emphasized the importance of legacy planning: "Before I had my first son… I didn’t do a budget. It wasn’t as important to me because if I made a mistake, it hurt me. Now I make mistakes, I’m hurting my family, I’m hurting my legacy. So it’s off the table."
What Separates The Good From The Great
Fratarcangeli attributes long-term wealthto consistent discipline rather than flashy wins: "You’re going to inherit it, you’re going to invent something, or you’re going to be self-made… and be a grinder." He cited examples like Rick, a client with over $100 million in stocks, and Olympic swimmer Michael Phelps, who trained every day—including Sundays—for decades: "That’s an example of what separates the best of the best."
Who Jeffrey Fratarcangeli Works With
While Fratarcangeli and his team are open to helping anyone, they focus their long-term advisory relationships on clientswhose financial complexity and growth potential align with the firm's high-touch, sophisticated approach.
"We just like a growth stock—we look for the opportunity to be a part of something that’s going to be bigger… We have to have a level of sophistication that our history and experience can help deliver."
Final Thought
Fratarcangeli concluded the interview with a reflection on what really matters in building wealth and creating a legacy:
"You can’t change yesterday… but you can do something about what you’re going to do next. As long as you’re breathing and on the right side of Earth, it’s not too late."
For those ready to take control of their finances—whether just starting out or preparing for retirement—Fratarcangeli’s message is clear: focus on consistency, surround yourself with experience, and don’t wait to start making smarter financial decisions.
"What we do today shapes what our lives—and our legacies—will look like in ten years. So the question is: What do you want tomorrow to look like?"
For more insight from Jeffrey Fratarcangeli, visit
Elisa Mueller
Author
Elisa Mueller, a Kansas City native, grew up surrounded by the wonders of books and movies, inspired by her parents' passion for education and film.
She earned bachelor's degrees in English and Journalism from the University of Kansas before moving to New York City, where she spent a decade at Entertainment Weekly, visiting film sets worldwide.
With over 8 years in the entertainment industry, Elisa is a seasoned journalist and media analyst, holding a degree in Journalism from NYU. Her insightful critiques have been featured in prestigious publications, cementing her reputation for accuracy and depth.
Outside of work, she enjoys attending film festivals, painting, writing fiction, and studying numerology.
Iram Martins
Reviewer
Iram Martins is a seasoned travel writer and explorer with over a decade of experience in uncovering the world's hidden gems. Holding a Bachelor's degree in Tourism Management from the University of Lisbon, Iram's credentials highlight his authority in the realm of travel.
As an author of numerous travel guides and articles for top travel publications, his writing is celebrated for its vivid descriptions and practical insights.
Iram’s passion for cultural immersion and off-the-beaten-path adventures shines through in his work, captivating readers and inspiring wanderlust.
Outside of his writing pursuits, Iram enjoys learning new languages, reviewing films and TV shows, writing about celebrity lifestyles, and attending cultural festivals.
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